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If you connect your computer to the Internet, it can get hacked. If you leave it logged in unattended or don't use authentication, someone else can use it without your permission.

This isn't rocket science and it has nothing to do with artificially locking down a computer to serve the vendor instead of the owner.

Edit: I'd like to add that no amount of extra warranty from the vendors are going to cover the risk of a malware infection.

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We dont need to get philosophical here. You(the admin) can require you (the user) to input a password to signify to you(the admin) to install a ransomware when a link is clicked. That way no control is lost.
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What if the cat pictures are an app too? The computer can't require a password specifically for ransomware, just for software in general. The UI flow for cat pictures apps and ransomware will be identical.
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A computer that can run arbitrary programs can necessarily run malicious ones. Useful operations are often dangerous, and a completely safe computer isn't very useful.

Some sandboxing and a little friction to reduce mistakes is usually wise, but a general-purpose computer that can't be broken through sufficiently determined misuse by its owner is broken as designed.

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